This island off Miami is now America’s most expensive ZIP code

Miami Beach’s Fisher Island (33109) was the priciest U.S. ZIP code in 2025, with a median sale price of $9.5 million, according to a PropertyShark analysis.

The big picture: Coastal communities continue to dominate the country’s most expensive list, the real estate database found.

State of play: Atherton, California (94027), near San Francisco, where the typical home sold for $8.3 million, came in second after eight straight years at the top.

  • Sagaponack, New York, in the Hamptons (11962), followed at $5.9 million.
  • In all, California ZIPs made up 61% of the 120 ranked.

Between the lines: Fisher Island’s beauty, isolation and closeness to downtown Miami make it an easy sell. Residents pay a $500,000 membership fee and nearly $40,000 for amenities, including pickleball and tennis courts, two deepwater marinas, a golf course, and a private primary school, the Tampa Bay Times reports.

  • “You pretty much have your own oasis in the city,” Jill Eber, a resident and luxury real estate broker, told the outlet.

Reality check: Even as coastal areas fetch the highest prices, climate change is reshaping high-risk markets, driving up insurance costs and pushing some homeowners away…

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